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1 Profile of Recipients Family Income The average family adjusted gross income (AGI) for recipients is 123% of the poverty line (median 112%), compared with 395% of the poverty line for non-recipients. Adjusted Gross Income (AGI) Average Median Recipient $20,302 $15,223 Non-Recipient $69,235 $59,083 Two-thirds (67.5%) of recipients have family income at or below 150% of the poverty line, compared with one-sixth (15.3%) of non-recipients. Almost all (95.1%) of recipients have family income at or below 250% of the poverty line, compared with a third (31.5%) of non-recipients. This observation supports approaches to FAFSA simplification based on the poverty line, such as basing eligibility on the same formula as income-based repayment or phasing out eligibility from 150% to 250% of the poverty line. The parents of a quarter (27.3%) of recipients own a home or pay a mortgage, compared with half (51.3%) of the parents of non-recipients. 6.6% of the parents of recipients own investments, a business or farm worth more than $10,000, compared with 18.8% of non-recipients. This chart shows that graduation rates increase with increases in family income for students in Bachelor s degree programs. 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 6-Year Graduation Rates for Students in Bachelor's Degree Programs The next chart shows that students who receive larger Pell Grants are more likely to graduate after controlling for income. 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% College Costs 6-Year Graduation Rates for Students in Bachelor's Degree Programs All Recipients $2,500 < $10K $10K to $20K $20K to $30K $30K to $40K $40K to $50K recipients tend to enroll more at colleges that are mid-range in cost. Cost of Attendance $10,000 $20,000 < $10,000 to $20,000 or more Recipient 37.0% 40.6% 22.4% Non-Recipient 55.0% 26.3% 18.8% However, the distribution of recipients according to net price is similar to that of non-recipients. Cost of Attendance Grants $10,000 $20,000 < $10,000 to $20,000 or more Recipient 61.1% 28.4% 10.5% Non-Recipient 58.5% 26.5% 15.0% This suggests that the s are enabling choice in addition to access. The allows low-income students to enroll at more expensive colleges, such as 4-year public colleges instead of 2-year public colleges, with a positive impact on graduation rates. Copyright 2011 by Fastweb LLC. All rights reserved. Visit for more tips on paying for college. Page 1

2 Profile of Recipients Persistence Risk Index The risk index counts the number of key predictors of a student s failure to persist from the freshman to the sophomore year. The seven risk characteristics are: Delayed enrollment No high school diploma Part-time enrollment Financially independent Have dependents Single-parent status Working full-time while enrolled In the following table, low risk is defined as students with 0, 1 or 2 risk factors and high risk is defined as students with 3 or more risk factors. recipients are more likely to be in the high risk group than non-recipients. Risk Index Low Risk High Risk Recipient 53.8% 46.2% Non-Recipient 63.8% 36.2% This has an impact on graduation rates. The next table shows 6- year graduation rates for recipients and nonrecipients among students in Bachelor s degree programs with family adjusted gross income capped at $50,000. Graduation Rates by Risk Index Low Risk High Risk Recipient 54.9% 18.8% Non-Recipient 57.0% 26.3% Similar effects occur with the individual risk factors. For example, 63.9% of students in Bachelor s degree programs who have a high school diploma graduate within 6 years, compared with 21.0% of students who have only a GED or other equivalency. But a high school diploma has a smaller impact on graduation rates in Associate s degree or Certificate programs. Gender recipients are much more likely to be female than non-recipients. Part of the difference, but not all of it, is due to differences in FAFSA application rates according to gender. Slightly more than half of men (52.3%) file the FAFSA, compared with almost two-thirds of women (62.8%). Gender Male Female Recipient 33.8% 66.2% Non-Recipient 46.6% 53.4% Female recipients in Bachelor s degree programs are also more likely to graduate in 6 years than male recipients in Bachelor s degree programs (54.8% vs. 46.2%, family AGI capped at $50,000). Dependency Status recipients are much more likely to be independent. Dependency Status Dependent Independent Recipient 42.1% 57.0% Non-Recipient 57.9% 43.0% This difference is mostly due to single-parent independent students, who are more common among recipients. Type of Independent Student No Dependents Dependents Unmarried Married Unmarried Married Recipient 17.1% 2.7% 26.4% 11.7% Non-Recipient 15.2% 7.1% 8.5% 12.2% recipients in Bachelor s degree programs who are dependent students are more likely to graduate in 6 years (family AGI capped at $50,000). The graduation rate is 55.9% for dependent students, compared with 23.7% for independent students. The graduation rate is 18.2% for students who are single parents, compared with 53.2% for students who are not single parents. Student and Parent Marital Status The increased percentage of single-parent independent students is not entirely due to differences in marital status. 85.6% of recipients are single or separated, compared with 80.7% of non-recipients. Marital Status Single Married Separated Recipient 81.7% 14.4% 3.9% Non-Recipient 79.5% 19.3% 1.2% Copyright 2011 by Fastweb LLC. All rights reserved. Visit for more tips on paying for college. Page 2

3 Profile of Recipients The parents of 42.5% of recipients are married, compared with 77.2% of the parents of non-recipients. Parent marital status has a significant impact on the 6-year graduation rates of recipients in Bachelor s degree programs. The following graduation rates are for students with family AGI capped at $50,000. Race/Ethnicity Parent Marital Status 6-Year Graduation Rate Married/Remarried 63.3% Divorced/Separated 49.4% Single 39.1% Widowed 67.1% recipients are more likely to be Black or Hispanic and less likely to be White. These statistics are consistent with the prevalence of each race among low-income families. Race/Ethnicity White Black Hispanic Asian Recipient 46.3% 23.7% 20.4% 4.8% Non-Recipient 67.6% 10.3% 11.8% 6.3% There are differences in 6-year graduation rates by race for Pell Grant recipients in Bachelor s degree programs (family AGI capped at $50,000). More than half (56.9%) of White students graduate in 6 years, compared with two-fifths (43.2%) of Black students, two-fifths (40.7%) of Hispanic students and two-thirds (66.0%) of Asian students. The distribution of Black and Hispanic students is skewed toward lower AGI, which may partially explain the lower graduation rates of minority students. English is the primary language spoken at home for 82.7% of recipients compared with 88.1% of non-recipients. Age Groups and Delayed Enrollment recipients tend to be slightly older than nonrecipients, shifting about 8% of students from a traditional age of to the age group. Age Groups Recipient 54.0% 23.1% 23.0% Non-Recipient 61.8% 15.1% 23.0% However, the average age is similar, with 25.6 years for Pell Grant recipients and 25.9 years for non-recipients. This suggests that there may be more skew in the age distribution. The shift toward older students is also manifested in delays between secondary and postsecondary education. 38.7% of Pell Grant recipients delayed enrollment in college by one or more years, compared with 28.3% of non-recipients. Perhaps some students are waiting until they reach age 24? Students who are 24 years old as of December 31 of the award year are automatically independent. The age group has an impact on 6-year graduation rates for Pell Grant recipients in Bachelor s degree programs (family AGI capped at $50,000). Half (56.2%) of students age as of 12/31/2003 graduated within 6 years, compared with less than a third (29.7%) of students age 20-23, a quarter (24.8%) of students age and a fifth (19.3%) of students age 30+. Enrollment Status Almost three-quarters of recipients in all degree and certificate programs are enrolled full-time, compared with less than two-thirds of non-recipients. Only 1.7% of recipients are enrolled less than half-time. Enrollment Status Full-Time Half-Time < Half-Time Recipient 73.7% 24.6% 1.7% Non-Recipient 63.1% 22.6% 14.4% Among students in Bachelor s degree programs, almost seveneighths (84.6%) are enrolled full-time, one-sixth (15.0%) are enrolled half-time and 0.3% are enrolled less than half-time. Almost a third of students who are enrolled on at least a halftime basis receive a, compared with a much smaller percentage of students who are enrolled less than half-time. % Receiving Enrollment Status Full-Time Half-Time < Half-Time All Students 32.8% 31.3% 4.7% Bachelor s Degree 28.4% 29.8% 3.4% Associate s Degree 40.3% 32.6% 6.4% Certificate 55.9% 42.7% 3.4% recipients were required to be enrolled on at least a half-time basis prior to From 1986 to 1992 a student with less than half-time enrollment could obtain a if they Copyright 2011 by Fastweb LLC. All rights reserved. Visit for more tips on paying for college. Page 3

4 Profile of Recipients had a zero EFC. From 1992 onward students with less than halftime enrollment were eligible for a with proportional reduction, without any requirement for a zero EFC. Restoring the requirement that recipients be enrolled on at least a half-time basis would save at most 0.3% of Pell Grant funding, about $100 million per year. Degree of Urbanization recipients are more likely to live in a city or rural area and less likely to live in the suburbs. Degree of Urbanization City Suburb Town Rural Recipient 35.0% 32.0% 9.4% 22.2% Non-Recipient 29.4% 38.9% 7.3% 21.7% The greatest differences are in large cities (20.5% of recipients vs. 15.5% of non-recipients) and large suburbs (27.0% of recipients vs. 33.5% of non-recipients). Undergraduate Degree Program recipients are more likely to be in Certificate programs and less likely to be in Bachelor s degree programs. Degree Program Bachelor s Associate s Certificate Recipient 46.5% 42.7% 10.8% Non-Recipient 50.9% 42.8% 6.3% Institutional Control This table demonstrates a shift in the enrollment of recipients from public colleges to for-profit colleges. Type of College Public Non-Profit For-Profit Recipient 64.0% 14.0% 22.0% Non-Recipient 80.4% 14.7% 4.8% 8.0% of recipients are enrolled at very selective 4- year colleges, compared with 12.3% of non-recipients. 22.2% of recipients and 24.8% of non-recipients are enrolled at moderately selective 4-year colleges. 83.1% of recipients are enrolled at colleges with a semester, trimester or quarter system, compared with 91.8% of non-recipients. FAFSA Completion The distribution of recipients among the various types of colleges may be due to differences in FAFSA completion rates at each type of college. Students who do not file the FAFSA cannot receive a. For-profit colleges are more effective at getting students to complete the FAFSA than public and non-profit colleges. This is especially evident at 2-year institutions, where 43.5% of students at community colleges complete the FAFSA, compared with 98.9% of students at for-profit 2-year colleges. Increasing the FAFSA application rates at public colleges may improve college completion rates. Characteristic FAFSA Completion Rates Overall 58.2% Undergraduate Degree Program Bachelor s 66.9% Associate s 53.3% Certificate 60.6% Institution Control Public 51.4% Non-Profit 69.9% For-Profit 95.2% Institution Type Public 4-Year 62.1% Public 2-Year 43.5% Public < 2-Year 48.6% Non-Profit 4-Year 69.7% Non-Profit 2-Year 77.3% Non-Profit < 2-Year 77.2% For-Profit 4-Year 96.4% For-Profit 2-Year 98.9% For-Profit < 2-Year 88.1% Institution Control/Degree Public Bachelor s 63.0% Public Associate s 48.3% Public Certificate 32.2% Non-Profit Bachelor s 70.5% Non-Profit Associate s 74.8% Non-Profit Certificate 60.1% For-Profit Bachelor s 95.8% For-Profit Associate s 97.9% For-Profit Certificate 91.8% Similarly, the low utilization of s by less than half-time students may be due to differences in FAFSA completion rates by enrollment status. Less than half-time students are much less likely to complete the FAFSA, even at for-profit colleges. Copyright 2011 by Fastweb LLC. All rights reserved. Visit for more tips on paying for college. Page 4

5 Profile of Recipients Characteristic FAFSA Completion Rates Overall 58.2% Attendance Intensity Full-Time 70.3% Half-Time 57.4% < Half-Time 19.9% Institution Control/Attendance Public Full-Time 65.3% Public Half-Time 51.9% Public < Half-Time 20.0% Non-Profit Full-Time 75.7% Non-Profit Half-Time 70.7% Non-Profit < Half-Time 14.8% For-Profit Full-Time 95.4% For-Profit Half-Time 97.8% For-Profit < Half-Time 42.2% Grades and Test Scores The following tables use a GPA scale of (D- to C), (C to B-), (B- to B), (B to A-) and (A- to A). High School GPA D- to C C to B- B- to B B to A- A- to A Recipient 2.5% 12.1% 12.5% 28.7% 21.2% Non-Recipient 1.6% 9.1% 10.1% 28.7% 27.5% recipients are less likely to have A s in high school and more likely to have B s and C s than non-recipients. High school GPA correlates with family adjusted gross income (AGI). The average family AGI for students with a C- to B GPA is $48,802, compared with $58,600 for students with a B to A- GPA and $69,887 for students with an A- to A GPA. So the shift in academic performance for recipients may have more to do with family income than academic potential. College GPA D- to C C to B- B- to B B to A- A- to A Recipient 12.4% 11.9% 20.6% 25.4% 23.2% Non-Recipient 10.5% 10.9% 18.7% 25.7% 25.2% The average college GPA for recipients is 2.88, compared with 2.97 for non-recipients. A fifth (19.9%) of recipients have SAT scores (or equivalent ACT scores) of 1000 or more, compared with a third (35.1%) of non-recipients. The average SAT test score for Pell Grant recipients is 914, compared with 1010 for non-recipients. This table shows 6-year graduation rates for students in Bachelor s degree programs with family adjusted gross income (AGI) capped at $50,000. It demonstrates that SAT scores are predictive of graduation from college. AGI $50,000 by SAT Test Score < Recipient 42.7% 70.6% Non-Recipient 41.8% 66.1% AGI $50,000 by SAT Test Score to 840 to 990 to 1130 to 1600 Recipient 34.2% 50.0% 66.0% 73.7% Non-Recipient 28.2% 46.5% 63.5% 72.0% This table shows 6-year graduation rates according to high school GPA for recipients in Bachelor s degree programs with family adjusted gross income (AGI) capped at $50,000. It demonstrates that high school GPA is predictive of graduation from college. High School GPA AGI $50,000 by 6-Year Graduation Rate (C to B-) 29.7% (B- to B) 37.5% (B to A-) 48.6% (A- to A) 72.7% 17.5% of recipients took calculus in high school, compared with 24.6% of non-recipients. 12.7% of recipients earned AP credit in high school, compared with 17.6% of non-recipients. 40.4% of recipients have taken remedial courses, compared 34.0% of non-recipients. Major recipients are somewhat less likely to major in STEM fields. 14.1% of recipients major in mathematics, computer science, science or engineering, compared with 16.7% of non-recipients. 6.4% of recipients major in social and behavioral sciences, compared with 7.0% of nonrecipients. 79.5% of recipients major in non-stem fields, compared with 76.3% of non-recipients. Copyright 2011 by Fastweb LLC. All rights reserved. Visit for more tips on paying for college. Page 5

6 Profile of Recipients The one field of study with a significant difference in enrollment patterns is health care. 20.6% of recipients major in health care, compared with 12.0% of non-recipients. Among students enrolled in Bachelor s degree programs with family adjusted gross income capped at $50,000, recipients who major in Humanities (59.4% vs. 49.3%) and Education (55.4% vs. 50.6%) are more likely than non-recipients to graduate within 6 years while recipients who major in Social/Behavioral Sciences (59.6% vs. 79.8%), Engineering (48.7% vs. 63.6%) and Health Care (44.8% vs. 63.2%) are less likely than non-recipients to graduate in 6 years. Parents Highest Educational Level recipients are less likely to have a parent with a Bachelor s degree or more advanced degree. Parent Educational Level Bachelor s High School High School or Higher Diploma Dropout Recipient 22.5% 34.1% 9.2% Non-Recipient 43.9% 23.0% 5.1% Graduation rates are lower when a student is first in their family to go to college. For example, when a recipient in a Bachelor s degree program (family AGI capped at $50,000) has a sibling in college before enrollment, the 6-year graduation rates are 45.8%, compared with 59.8% for students who are the first to enroll in college. Voting 93.7% of all undergraduate students are eligible to vote, satisfying the age and citizenship requirements. (The percentages are similar for recipients and nonrecipients.) Similar percentages of recipients and non-recipients vote. 80.4% of recipients over age 18 have registered to vote, compared with 82.3% of non-recipients. Half (56.0%) of recipients over age 18 have voted, compared with three-fifths (61.0%) of non-recipients. The lower percentage of younger students voting shown in the next table may be due to timing, since half of students age 18 to 20 have not yet had an opportunity to vote in an election. In an election year, it seems likely that two-thirds to four-fifths of students eligible to vote will exercise their right to vote. More might vote if there are issues of personal concern to students, such as cuts in student aid. Type of Loan Age as of December 31 Registered Ever to Vote Voted 18 to % 32.0% 21 to % 67.5% 24 or older 90.0% 79.3% recipients are more likely to have Perkins, Stafford (subsidized and unsubsidized) and private student loans than non-recipients, but less likely to receive Parent PLUS loans. The latter is consistent with recipients being more likely to be independent students without parental involvement. Type of Loan Stafford Parent Perkins Sub Unsub Private PLUS Recipient 6.3% 59.6% 37.0% 25.5% 2.7% Non-Recipient 1.5% 18.5% 16.3% 14.9% 4.2% Three-fifths (60.7%) of recipients in Bachelor s degree programs with family AGI capped at $50,000 who receive a Parent PLUS loan at some point during their college career graduate within 6 years, compared with 49.7% of those who don t receive a Parent PLUS loan. This may be a good indicator of parental involvement in the student s college education. Private Scholarships and Institutional Grants Students who receive private scholarships and/or institutional grants are more likely to graduate with a Bachelor s degree in 6 years. It is unclear whether this is due to selection bias (e.g., scholarship recipients are more talented) or because the scholarships and grants address financial issues that prevent graduation, or both. AGI $50,000 Private Scholarships AGI $50,000 Institutional Grants None Some None Some Recipient 47.0% 63.9% 40.3% 62.6% Non-Recipient 47.9% 73.5% 44.9% 65.0% In addition, 80.0% of recipients in Bachelor s degree programs who receive athletic scholarships graduate within 6 years, compared with 50.9% of non-recipients. Copyright 2011 by Fastweb LLC. All rights reserved. Visit for more tips on paying for college. Page 6

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